Fraud Prevention Recommendations

Business Online Banking provides several controls and tools to help protect you against unauthorized transactions. We recommend that you use these controls along with your company’s own tools and resources to mitigate the risk of fraud.

General Business Online Banking Controls

Use a computer that is dedicated to Business Online Banking with no other internet browsing or email access.

Reconcile account transactions daily.

Require dual controls for Wire and ACH transaction approval.

Require users to confirm last sign on date on the Business Online Banking “Welcome” page.

Do not use account numbers when setting up nicknames for accounts.

View your alerts and notify the Bank if you do not recognize the activity.

Wire and ACH Initiation

Limit user access to payment creation and approval functionality.

Segregate duties between payment creation and approval.

Require secondary approval of payments on separate computer.

Establish transaction limits for each user.

Contact us to set up daily account/user limits for transactions.

Review your Wire and ACH history daily.

Call to verify any change to payment instructions received by email or fax.

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